Compare cards linked to the Amplify Rewards program. Which card is the best match for you?
St George Bank, Bank of Melbourne and BankSA. They are all divisions of Westpac.
It’s a tiered suite of cards with three levels: Amplify, Amplify Platinum and Amplify Signature. Each level has a different annual fee and varying attached benefits. Amplify has the lowest fee and benefits, Amplify Signature the highest.
Rewards points and complimentary benefits like travel insurance and airport lounge passes. The higher the card level, the higher the annual fee and the greater the number of attached benefits.
No. The standard Amplify card has a relatively low fee, the Amplify Platinum card has a moderate fee, and the Amplify Signature card has the highest fee and benefits.
Each dollar spent using the card earns points at a given rate, e.g. 1.0 points per dollar. Points earning rates vary between card levels.
Yes. When you apply for the card you will need to nominate which points program you wish to join: Amplify or Qantas. After that, you can swap between the two programs as often as you like, although it may take a little while to process your request. And any points earned stay in the program where they were earned. You can’t convert Amplify points to Qantas points, or vice versa.
Qantas points are earned at a set rate per dollar spent on eligible purchases, but the rate will be half of the Amplify points earning rate on the same card. (i.e. a card which earns 1.0 Amplify points per dollar will earn only 0.5 Qantas points per dollar.)
No. All regular purchases and bill payments earn points. But no points are earned on government charges (such as payments to the ATO or local government rates), interest charges, bank fees, cash advances, balance transfers, and any payments made by BPAY.
From time to time the banks may have a special offer intended to make one or more of the card types more attractive to new cardholders. This usually takes the form of bonus points, often conditional on reaching a spending target within a specified time period, e.g. 60,000 bonus points for spending $3,000 in the first 90 days. Additional bonus points may be offered in return for paying the second year’s annual fee at the end of the first 12 months.
Yes. Whichever program you select when you apply for the card, if bonus points are payable, the number given will be the same whether you choose Amplify Rewards or Qantas. The Qantas points are potentially more valuable.
Birthday bonus points are given only to Amplify Signature cardholders. They will receive a bonus points quantity equivalent to 10% of the points earned in the 12 months immediately preceding the primary cardholder’s birthday. This may be either Amplify points or Qantas points, or a combination of both.
Yes. All eligible purchases earn points, no matter which card is used.
No. All points earned are credited to the account of the primary cardholder, who is the only person able to operate the points account and make redemptions.
It depends on which form of redemption you choose. As a general rule, a rewards or frequent flyer point redeemed for merchandise or gift cards is worth 0.5 cents or less. A frequent flyer point (including Amplify points converted to Virgin, Singapore or Malaysian airline points) redeemed for domestic economy flights could be worth around 0.9 cents. Long-haul flights or premium fares may return 1.5 cents per point, or even more.
There are a number of options, including:
Qantas points are redeemable for the following and more:
Both the Amplify and Qantas Frequent Flyer programs have a Points + Pay option. That is, if you don’t have enough points for the item you want, you can choose to pay the balance in cash.
Your Amplify Points will not expire as long as your card account remains open.
There is no limit on the number of points you can earn in any month or year.
The standard Amplify card has the fewest complimentary benefits, while the top-tier Amplify Signature card has the most benefits. Depending on your card level, you may find some of the following complimentary benefits attached to your card: